Personal Insurance / Life Insurance
Regardless of your family’s financial situation, life insurance is one of the cornerstones of sound retirement planning, estate planning and financial planning for the future. It is a unique tool for solving some of life’s most perplexing financial challenges, from estate conservation to loan payoffs, protecting business interests to funding charitable gifts. It can provide security, investment opportunity, flexibility and, most of all, peace of mind.
But insurance markets, carriers and products have changed tremendously over the past decade, and no doubt will continue to evolve. More than ever, you need the personal, individualized guidance and advice of experienced life insurance professionals who will be here for you over the long term. Haas, Haas + Associates provides exactly that kind of service. We can help you choose among the various types of insurance plans, tailor coverage and costs, and pick the most financially stable companies to provide the financial security that’s right for your family.
Term Life Insurance
- Lower cost for more coverage
- Rates “locked in” for a specific term... 10, 15, 20 or 30 years
- Available as annual renewable term and long-term level premium
- Simplicity and security
Whole Life Insurance
- Permanent insurance... you only have to qualify once
- Once purchased, builds equity and cash value
- May be borrowed against
- Flexibility and long-term value
- Paid up in as little as 10 years
Universal Life Insurance
- More flexible than whole life insurance
- Set amount of coverage combined with tax-deferred cash accumulation account
- Allows policy owner to modify face value and amount of premium paid
